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PODCAST

Retirement For Life

Christian Cyr, CPA, CFP®

The only retirement show that won’t put you to sleep as we guide you to a comfortable and confident retirement. Christian Cyr, CPA, CFP® the passionate retirement specialist helps you navigate the complex world of retirement with a dash of fun, a heap of wisdom and plenty of real-life application. Whether you"re already retired or planning for the future, the Retirement for Life Show is your passport to a secure and enjoyable retirement.With over two decades of experience, Chris has been assisting

business investing

All Episodes

28:50

From Booms to Bubbles: What Retirees Should Know...

Retirement For Life ·

2025/10/31

To get the full RFL experience, watch the episode here at https://youtu.be/QPZ7kevkAjI Markets have been on a heater—and that’s exactly when discipline matters most. We unpack a rare three-year streak of strong S&P 500 returns, compare it with the only two times history saw something similar, and explain why one period led to a decade of gains while the other opened the door to a brutal bust. Rather than chase predictions, we share how to build a retirement that stays on track whether AI-...

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34:51

Cybersecurity For Retirees: Simple Steps To Stay Safe...

Retirement For Life ·

2025/10/17

To get the full RFL experience, watch the episode here at https://youtu.be/ltEr9bLvG34 We bring in Winsor Consulting to unpack today’s most common scams hitting retirees and how to stop them with simple habits. We share a clear rule—say no and verify—and walk through passwords, MFA, privacy settings, and how to spot fake emails and links. • why criminals target credentials and reused passwords • how to apply the say no and verify rule • deepfakes and voice cloning used in grandparent scams •...

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24:42

Ready for Retirement - The AIM System - Part 1

Retirement For Life ·

2025/10/03

The AIM Retirement System provides a comprehensive, team-based approach to retirement planning that typically takes two months to implement and features nearly 20 planning components designed to maximize retirement success. • Process begins with a Connection Visit focused on understanding personal goals and retirement dreams • Team approach includes specialists in tax planning, investment management, and financial advising • Four main goals: maximize chances of retirement success, increase i...

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18:39

Financial Blind Spots in Marriage: Don’t Let This...

Retirement For Life ·

2025/09/19

To get the full RFL experience, watch the episode here at https://youtu.be/TVcvYz4mISs Financial transparency between spouses is critical for retirement planning and can prevent disaster when one partner passes away. We discuss real-life examples of what happens when couples don't share financial responsibility and knowledge. • Both spouses must be involved in financial planning regardless of interest level • Requiring both partners to attend planning meetings ensures everyone understands th...

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31:52

Retirement Trends, Lottery Question, and a Peek...

Retirement For Life ·

2025/09/05

To get the full RFL experience, watch the episode here at https://youtu.be/cbLr-zpQEqU What keeps experienced retirement planners up at night? After decades in the business, I'm tracking three critical trends that will reshape retirement planning for years to come. First, we're witnessing an extraordinary market streak—15 positive years out of the last 17. But history tells a sobering story: since 1869, only 13.5% of four-year periods have shown positive returns in all four consecutive years...

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20:08

The Art of Spending Down: 3 Retirement Hacks to Boost...

Retirement For Life ·

2025/08/22

To get the full RFL experience, watch the episode here at The transition from saving to spending in retirement represents the most challenging and risky part of your financial life, requiring strategic planning to avoid running out of money. We break down three critical "hacks" that can transform your retirement security by reducing market dependency and increasing guaranteed income sources. • The "spending less when we're older" myth often ignores the significant impact of inflation •...

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35:02

Avoiding the Retirement Planning Void: The CPA, The...

Retirement For Life ·

2025/08/08

To get the full RFL experience, watch the episode here at https://youtu.be/7UF42D1Nlhw Are you navigating retirement with a team of financial professionals but no real quarterback? You may be stuck in what I call "the retirement planning void" - a dangerous place where critical opportunities get missed between your investment advisor and your tax professional. Today's episode tackles three major financial issues affecting retirees: the new spending and tax bill, tariff agreements (particul...

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30:08

College Planning Secrets with Expert Paul Compeau,...

Retirement For Life ·

2025/07/25

To get the full RFL experience, watch the episode here at Discover strategies for college planning that protect retirement savings while maximizing financial aid opportunities for your grandchildren. • College degrees still hold significant value, demonstrating a person's ability to persist toward long-term goals • Traditional savings vehicles like 529 plans may not always be the optimal choice for every family situation • Financial aid eligibility often depends on proper positioning o...

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25:37

The Big Beautiful Bill: What It Really Means for...

Retirement For Life ·

2025/07/11

To get the full RFL experience, watch the episode here at https://youtu.be/CEgPwpYGQX0 The recent tax bill, retirement health vitality agreement, and the evolution of guaranteed income strategies present both opportunities and challenges for today's retirees. • Trump's tax bill keeps rates low for the foreseeable future, preventing significant tax increases in 2026 • National debt concerns remain critical despite short-term tax benefits • Consider Roth conversions now while tax rates remain ...

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29:57

Your Top Questions About Roth Conversions - Answered!...

Retirement For Life ·

2025/06/27

Roth conversions present one of the largest financial opportunities for a generation of savers, especially for those in their 60s with substantial retirement account balances. We address the six most common questions from our viral Hidden Roth Conversion video that generated nearly 1,000 comments and 100,000 views in its first hour. • How to pay taxes on Roth conversions without substantial cash reserves • Converting retirement funds while still employed, even when your employer doesn't offe...

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29:24

The Hidden Roth Conversion Window - Ep 36

Retirement For Life ·

2025/06/13

To get the full RFL experience, watch the episode here at https://youtu.be/1a152r_o8Rg The ticking tax time bomb in your retirement accounts could cost you hundreds of thousands of dollars. Most Americans approaching retirement don't realize they'll likely face higher tax rates in their 80s than during their working years, thanks to Required Minimum Distributions forcing withdrawals from tax-deferred accounts. We're currently experiencing what financial experts call the "hidden Roth conversi...

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19:44

Four Questions Retirees Should Ask Themselves About...

Retirement For Life ·

2025/05/30

To get the full RFL experience, watch the episode here at https://youtu.be/I6UFdIuSCPM Asset allocation is a critical yet overlooked component of retirement planning, with most retirees unaware of their current investment mix and appropriate risk levels for their situation. • Two primary asset classes for retirees: stocks (growth-oriented but volatile) and bonds (stable income but limited growth) • Typical retirement allocations range from 50/50 to 60/40 stocks/bonds, but individual circumst...

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23:02

Securing Your Legacy - Estate Planning Essentials -...

Retirement For Life ·

2025/05/16

To get the full RFL experience, watch the episode here at https://youtu.be/TB_Q8ENgWCg We discuss the essentials of estate planning and why so many retirees don't have their documents properly organized. Through our game "Will You or Won't You," we explore common misconceptions and critical components of securing your legacy. • Debunking the myth that the state takes your assets without a will – assets go through probate court instead • Understanding which assets bypass your will (401ks, IRA...

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29:30

Tech-Savvy Retirement: How Technology Can Improve...

Retirement For Life ·

2025/05/02

To get the full RFL experience, watch the episode here at https://youtu.be/VLWR9pCIXWU Technology offers retirees powerful tools for staying connected with family, managing finances, and enhancing daily life. We explore essential apps, demonstrate how ChatGPT can transform retirement planning, and share strategies to protect yourself from increasingly sophisticated scams. • Communication technologies like FaceTime help grandparents maintain close relationships with distant family members • C...

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36:32

The First 5 Years of Retirement: Avoiding These...

Retirement For Life ·

2025/04/18

To get the full RFL experience, watch the episode here at https://youtu.be/jmfF9z4g65k The first five years of retirement represent a critical "danger zone" where key decisions can make or break your financial future. In this eye-opening episode, Christian Cyr, CPA CFP® and his team unpack the most common pitfalls that derail even carefully planned retirements. We explore why both retiring too early and waiting too long can be problematic, revealing surprising research from the Journal of Ha...

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6:25

Bonus Episode: Tariffs, Trade Wars & $3,000 iPhones:...

Retirement For Life ·

2025/04/14

Market chaos? Tariff uncertainty? While most financial advisors hide when markets crash, we're calling our clients who remain surprisingly calm. The economic drama unfolding around tariffs has created unprecedented volatility, with Peter Navarro directing a trade strategy that runs counter to mainstream economic thought. Most economists view these policies skeptically, recognizing that despite any relative advantage they might provide the imposing country, tariffs ultimately harm all parties ...

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21:34

Staying Invested in a Down Market - Ep 31

Retirement For Life ·

2025/04/04

Market downturns are inevitable, but a properly structured retirement plan with guardrails can protect retirees from making emotional decisions that damage long-term financial security. • The stock market historically grows approximately 10x over a 20-year period despite occasional downturns • Missing just the five best market days since 1988 could reduce long-term gains significantly • The danger zone (five years before and after retirement) requires the most conservative allocation • Prope...

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27:05

Life Settlements: Getting Value From Your Unwanted...

Retirement For Life ·

2025/03/21

Rob Haney, a 30-year veteran of the life settlement industry, shares how retirees can get substantial value from unwanted life insurance policies instead of surrendering them or letting them lapse. He explains the process of selling policies to investors who offer competitive bids, often resulting in payouts significantly higher than surrender values. • Approximately 90% of life insurance policies lapse or surrender, leaving potential value unclaimed • Universal life policies are most common...

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29:16

Do You Really Need a Financial Advisor? - Ep 29

Retirement For Life ·

2025/03/07

To get the full RFL experience, watch the episode here at https://youtu.be/J97GI2wbU0I This episode explores the critical question of whether or not you truly need a financial advisor. We examine the common misconceptions surrounding financial advisors and highlight the distinct advantages they provide in retirement planning. • Discussing the frequent question: Do I need a financial advisor? • Delving into the potential value that financial advisors add to portfolios • Highlighti...

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22:39

"Mailbox Money? You mean an Annuity?? Call it like it...

Retirement For Life ·

2025/02/21

Discover why the term "mailbox money" is more than just a catchy phrase—it's a strategy for financial peace of mind in retirement. If you're juggling the complexities of annuities and retirement planning, rest assured, this episode has the clarity you need. We unpack why income annuities are affectionately known as "mailbox money," providing a no-nonsense explanation that cuts through financial jargon. With so many mixed feelings about annuities, especially those with a checkered past like va...

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47 results

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